I'm looking into "Money merge account".  It claims you can pay off your mortgage in as little as 1/3 to 1/2 off the time. It claims  that no refiancing of existing mortgage, and is not a bi-weekly or debt roll down program.  Has anyone heard of this? If you google "Money merge Account", there is a mini video that explains how it works using a home equity loan, and they sell you some kind of computer programing, that tells you when to transfer money from one account to another to pay off mortgages and bills.  — Is this ligit, is this a real product, is it a rip… read full review »